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Asset Qualifier Program – Use Liquid Assets to Qualify
No income or job verification required – ideal for wealthy, asset-rich clients
This program is designed for borrowers who have significant liquid assets but do not rely on traditional income sources. With no income or employment documentation required, it offers a streamlined path to financing for those whose wealth is in their assets rather than a paycheck.
FAQs
Q: What’s the maximum LTV allowed?
A: Up to 90% LTV.
Q: How much can I borrow?
A: Loan amounts up to $3 million (higher possible with strong compensating factors).
Q: What credit score is required?
A: Minimum FICO score of 620.
Q: How is qualification determined?
A: Based solely on eligible assets — no DTI calculation.
Q: Do I need to liquidate my assets?
A: No, liquidation is not required. Only closing funds are needed.
Q: What types of assets are eligible?
A: Checking, savings, securities, retirement accounts, and cryptocurrency.
Q: Are business or real estate sale proceeds acceptable?
A: Yes, they can be used as qualifying assets.
Q: What property types are allowed?
A: All property types and occupancies.
Why This Program Works
This loan is ideal for high-net-worth borrowers who don’t have steady paystubs or traditional W-2 income. By focusing on asset strength instead of employment history or income documentation, it allows clients to leverage their wealth for financing without unnecessary roadblocks. The no-liquidation feature keeps investments intact while still enabling property purchases or refinances.
A Smarter Way to Leverage Your Assets
Instead of being limited by conventional lending requirements, this program gives borrowers freedom and flexibility. It turns stored wealth into buying power, accommodates modern asset types like crypto, and supports a wide variety of property goals — all while avoiding the delays and complexities of traditional underwriting.